Hello , welcome to Credit Services . How can we help you ?   I'm interested in applying for a credit card with you .   Are you an existing customer ?   Yes , I've had a Current Account with a debit card with you for years . Now , I'm looking at upgrading to a credit card .   May I ask why you didn't think of applying for a credit card with us sooner ? Most young people jump at the chance .   When I opened the account with you , I was a student , I graduated a couple of years ago and have a steady salary , so I figured now would be the best time to go ahead .   That's very sensible of you . We have many fresh graduates applying for credit cards , getting them and then going on a spending spree and being unable to meet the repayments .   As you can see from the statements for my Current Account , I have never been overdrawn . I'm always very careful about that . 